Your first home in Blue Springs

Mortgage and Lending with Leader One Financial 164545

So you're wanting to purchase Your first home in Blue Springs and you're getting a ton of advise from everyone around you and hearing horror stories or mortgages and home loans and realtors.  Let me reassure you that not all realtors and mortgage lenders are horrible people trying to suck your last dollar out of you.  Some of us are actually quite nice people who love seeing people get into their dream home ASAP.  We thought we'd give you some good advice when planning to buy Your first home in Blue Springs   Get Pre-approved with us here

Think long-term and think re-sale: Don't just think about the couple of years you'll want to live in that house, think about the future.  Will you be able to sell that house, will there be a lot of people wanting to purchase your home?  Do you plan on having kids or taking care of elderly parents?  These are just a few of the questions about the future that you'll want to consider when buying that home.

Make a list of preferences:  Don't let your emotions get the best of you when purchasing a home, We reccomend making a list of 'must haves,' 'prefers,' and 'Don't Care'  items you'd like to have in your home.

Look at the total cost picture: When thinking about purchasing a home you need to consider a lot of costs, principal & interest on the mortgage are easy, but you also need to consider utility costs, the cost of the commute to work, any repairs that might need to be made to the house after you move in.  These are just a few of the things that can add cost to Your first home in Blue Springs.

Ask if there is an HOA and ask for a copy of their contract: Moving into a neighborhood with an HOA has its pros and cons. If the neighborhood does have an Homeowners Association, then ask to see a copy of their contract, you'll want to know what restrictions are in place for you home and what dues you will have to pay to be a part of this particular neighborhood!

Know what you're signing:  If your realtor and mortgage lender aren't willing to answer your questions about the contract or your mortgage, you should consider going elsewhere. Just as with any contract, don't sign it until it has been explained to you plainly.

Ask your realtor about the neighbors:  You need to know if you're moving into an area filled with college students renting housing, especially if you have children. Find out about the neighborhood and make sure it fits with where you are going in the future.

Look beyond what you see: A home can be 'staged' to look beautiful, just about any can but when it comes to how a room is decorated be very careful.  Sometimes staging a home can be deceiving. Pay attention to the structure of the home and the lay out of rooms, not just how the furniture is arranged when you look at Your first home in Blue Springs because furniture can move and change - but the structure and lay out will remain the same.

All the old advice about buying your first home is true. Some examples -- have an emergency fund, save for a down payment of 20 percent, get your credit into a better shape and don't buy more than you can afford. Get Pre-approved with us here

Posted by

Darren Copeland | Home Loans | Lee's Summit MODarren Copeland, Vice President LeaderOne Financial

4967-B NE Goodview Circle, Lees Summit, MO 64064

(816) 268-4025

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